# Machinery Financing Malaysia - 2026 Budget Guide for Contractors ## The Problem with Bank Financing Banks in Malaysia have strict rules for machinery financing. They require 10-20% down payment upfront. They only finance 90% of equipment value. Banks also reject equipment older than 5 years. For a RM 50,000 machine, you need RM 5,000 to RM 10,000 cash down. This hurts your cash flow. ## Ing Heng Credit Makes It Easy We offer 0% down payment on machinery financing. You get 100% full loan. We finance equipment of any age - no limits. Bank interest rates: 4.6% to 6.0% per year. Our rates are competitive too. ## Comparison: Banks vs Ing Heng | Feature | Banks | Ing Heng Credit | |---------|-------|-----------------| | Down Payment | 10-20% | 0% | | Loan Amount | 90% | 100% | | Equipment Age | 5 years max | No limit | | Interest Rate | 4.6% - 6.0% | Competitive | ## Real Example Equipment: Used Komatsu Excavator at RM 50,000 **Bank Requirements:** - Down payment: RM 5,000 to RM 10,000 - Loan: RM 45,000 only - Equipment must be under 5 years old **Ing Heng Credit:** - Down payment: RM 0 - Loan: RM 50,000 (100%) - Any age equipment accepted ## Why Choose Ing Heng for 2026? The 2026 budget brings new opportunities for contractors. Don't let bank rules stop your growth. We help you get equipment with zero cash down. ## Equipment We Finance - Used Komatsu: From RM 34,000 - Used CAT: From RM 50,000 - Used forklift: From RM 15,000 - New premium equipment: RM 200,000 - 500,000+ ## Get Started Today Contact us for machinery financing in Malaysia. Fast approval with simple documents. **WhatsApp:** +60175700889 **Website:** inghengcredit.com **Email:** info@inghengcredit.com Apply now and get your equipment in 2026 with 0% down payment.